Every review on MyBankFinder is built from the same standardized, weighted rubric — so you can compare institutions side by side with confidence. Our ratings are data-driven, updated continuously, and never influenced by advertisers.
MyBankFinder exists to help everyday savers make smarter decisions about where they park their money. That mission only works if you can trust us. Here is what we commit to on every review we publish:
We work for the reader, not the banks
Our rankings are produced by an editorial team that operates independently from any commercial partnerships. No bank can pay for a higher score or better placement.
Our data is fresh
Rates and fees are re-verified against each bank's public disclosures on a daily basis. Every review shows a published and last-reviewed date.
Our methodology is public
The same weighted rubric is applied to every institution we cover. If you can't reproduce a score from the criteria on this page, we consider it a bug and we fix it.
We're honest about how we make money
MyBankFinder may earn a commission when readers open an account through an affiliate link. Those partnerships are disclosed and never influence our scoring or conclusions.
Reader feedback changes our reviews
If a rate, fee, or product changes and we haven't caught it, tell us — we aim to update the affected review within 48 hours.
We score each bank across six weighted categories on a 0–5 scale. A bank can earn up to 5.0 stars overall, and no single factor can override the others.
Weighted at 25% of the total score
Real APYs on savings, money market accounts, and CDs — compared against national averages and top-quartile competitors.
Weighted at 20% of the total score
Monthly maintenance, minimum balance, overdraft, ATM, wire, and early-withdrawal charges. Fewer fees, higher score.
Weighted at 15% of the total score
How many consumer deposit products a bank offers — HYSAs, CDs, MMAs, checking, plus specialty accounts (custodial, business, IRA CDs).
Weighted at 20% of the total score
Mobile app quality, online account opening, budgeting tools, chat responsiveness, and hands-on tests of ACH, mobile deposit, and external linking.
Weighted at 10% of the total score
Availability (phone, chat, email, branch), average wait times, and the quality of self-service resources.
Weighted at 10% of the total score
FDIC/NCUA insurance, BauerFinancial or Weiss safety ratings, capital ratios, and recent regulatory or CFPB actions.
Each category is scored on a 0–5 scale by our editorial team using the criteria above. The category scores are then weighted and averaged to produce the final star rating you see on every review page. Ratings are rounded to one decimal place.
| Score | Tier | What it means |
|---|---|---|
| 4.5 – 5.0 | Exceptional | Best-in-class rates, low fees, and strong digital tools. |
| 4.0 – 4.4 | Very good | Solid across the board with one or two minor drawbacks. |
| 3.5 – 3.9 | Good | Competitive in some areas but average or limited in others. |
| 3.0 – 3.4 | Fair | Acceptable for specific use cases but not a top recommendation. |
| Below 3.0 | Below average | Significant weaknesses in fees, rates, or customer experience. |
We don't rely on a single source. Our rate, fee, and product data is compiled from:
Rate-sensitive content is reviewed on a rolling schedule. Each bank review displays both a published date and a last reviewed date. If a bank changes a major fee, APY, or product lineup, we aim to update the review within 48 hours.
MyBankFinder is operated by MLGC MEDIA, LLC. We are not owned by any bank, credit union, or financial institution. We may earn a commission when readers open accounts through certain affiliate links, but those partnerships do not influence our ratings, rankings, or editorial conclusions. A bank cannot pay for a higher score or placement.
For more details, see our editorial policy and disclaimer.
If you believe a score is outdated or you think we missed a product or fee change, email us at info@mybankfinder.com. We read every message and update our reviews when the feedback is confirmed.